Nancy

THE daughter of a 63-year-old grandmother who was kidnapped from her home and held for ransom three years before Nancy Guthrie was snatched has branded the investigation a “circus.”

Zoe Lopez, whose mother Maria was taken in 2023 and never returned, has also offered advice to heartbroken Today Show host Savannah Guthrie and her family.

It’s been three weeks since Savannah’s mom was snatched from her home in Arizona, and police are begging the public for help after releasing disturbing doorbell footage of an armed, masked man at the front door minutes before the kidnapping.

The FBI is working with the Pima County Sheriff’s Department, which had been criticized for its handling of the case, and has received more than 21,000 tips.

Savannah announced the family is offering a $1million reward on Tuesday, as they are desperate to bring Nancy home.

In an emotional exclusive interview with The U.S. Sun, Zoe said her heart aches for the Guthrie family: “You kind of just go numb. You feel like, ‘This isn’t really happening.’

“My heart sank when … I believe it was her first statement, somebody had sent me.

“I was hesitant to post anything or to comment on it, but unfortunately, I do know her pain. 

“I understand the confusion, and I understand the anger, and the sadness, and the heartbreak that she has to deal with every single day, and every single minute. It’s devastating. 

“She might feel like, ‘Well, nobody understands.’ I do.

“It’s been three years, and absolutely nothing is normal about my life. You lose a part of yourself that very day.”

Zoe also slammed the Guthrie investigation and public ransom notes, saying the authorities need to get things under control and “reset” the case.

She said, “This is being handled in a very careless [way]. A circus, a complete circus. And this is something so sensitive.

“I am baffled that so much information is just being brought out in real time. 

“It’s been three weeks of chaos. There’s still time for them to get it under control. I think that they should be private about this.

“The loss of control. I can’t imagine how damaging it is to them [the family] emotionally.”

Pima County Sheriff Chris Nanos has reportedly “locked down” the case, and there is reported tension between his team and the FBI.

They have faced backlash for many decisions made amid the search for Nancy, including sending DNA samples to be tested at a facility in Florida, instead of letting the FBI use their lab in Quantico, Virginia.

Sheriff Nanos also admitted he likely released the Guthrie home as a crime scene too early.

This allowed reporters to access the property, where they discovered and photographed blood droplets on the front steps that investigators had reportedly not yet addressed publicly.

Zoe said, “They’re missing a lot of steps, and getting to a lot of important stuff days later, [it] is extremely concerning.

“It’s scary, because it makes you think, well, ‘Who are these agents, and how much experience do they have to be handling a case of this magnitude?’ It’s a kidnapping. It’s absurd.”

Similar to her mom’s case, she believes those responsible for taking 83-year-old Nancy were not professionals or cartel-related.

She said, “They saw an opportunity. They’re driven by money.”

Pain & paranoia

Zoe’s mom, Maria, a US citizen, was kidnapped on February 9, 2023, in Pueblo Nuevo, in the Mexican state of Colima, where she had returned to retire with her husband.

She was alone at home watering her garden after shopping when she was approached by “four or five individuals” who bundled her into a white van.

An eyewitness told authorities that at one point she was seen on the ground after either being struck or fainting during a struggle.

But the kidnappers eventually got her into the vehicle and fled the scene.

Zoe and her family received multiple ransom calls demanding large amounts of money, with the first call coming within 24 hours, and setting deadlines they had to meet.

She is unable to reveal whether they paid the kidnappers amid the ongoing investigation.

Zoe, who worked in road management for professional boxers when her mom was taken, believes Savannah has a long road ahead and might end up giving up her role as a host on the Today Show.

She said, “It took me months to go get groceries, to be honest. I was so scared. And although the kidnapping happened in Mexico, I was afraid.

“I was always scared that somebody was following me. People did recognize me once it went public.

“I couldn’t be out because people [would say], ‘Oh, you’re the daughter of the lady that got kidnapped.’ So it’s just safer to be home. 

“It took about a year and a half before I decided to take a different role, still in the boxing world, but more on a quieter level, where I’m designing outfits for certain boxers.

“I’m going back into production, working with special teams and stuff, traveling.

“She [Savannah] might not be a reporter after this. She might not want to be in the public eye, or it might give her purpose and make her say, ‘I’m supposed to be here. I have to continue to advocate for my mom.’

‘Survivor’s guilt’

“My heart aches for the family. When we were going through the uncertainty daily, not knowing… and then you come to a point, at least for them, they’re weeks in now, where you just feel alone, like nobody understands how bad this aching pain is. It’s a fear.

“Your body is in shock day in and day out.

“There has to be a way I can say, ‘Hey, make yourself some tea.’ You know? ‘Hug each other. Cry.’

“I think that’s another thing, too: it’s okay to fall apart. It’s okay not to be okay. Forcing yourself to be strong for the public, or forcing yourself to be strong for others, is going to be damaging to you.

“You need to find the energy, find that strength from deep down inside, but you also need to take those small moments, even if it’s 20 or 30 minutes. It’s okay, just hold on to each other.”

Heartbreakingly, Zoe says Savannah may learn that she can’t trust everyone around her, as some people who reach out to see how she is may not have good intentions.

“It’s really hard to even say this, but tune out the noise from the outside because she is a reporter and she is in the public eye,” she advised.

“But try to understand that not everybody is going to reach out to be there for you.

“They will reach out to get information, to see where you’re at, and that could be extremely damaging to you.”

She went on, “Her life is gonna change completely. And it’s probably gonna be the best thing for her to take some time just for her.

“It’s been three years for me, and I’m still learning. I feel like I’m learning how to walk again in the normal world and not feel guilty because I think that we carry that. 

“That’s where I guess they call it like survivor’s guilt, you know? Like, why do I get to go to work? Why do I get to go out and have fun? Why do I get to put it aside for a little bit when I don’t know where she is?”

Mexico rumors

Zoe said she and her family struggled to work with Mexican authorities and the FBI, as both tried to take control, mirroring the situation in Guthrie’s case.

“We reached out to the White House so many times through phone calls. She’s going to have to become relentless in pursuing other government officials as well,” she said.

“She [Nancy] is a U.S. citizen. If they did cross the border, then there should be coordinated searches, with federal agencies in Mexico working together with federal agencies here.

“You don’t know if you can fully trust the authorities there or whether they’re going to work together. Are they going to want to work with the FBI? Unfortunately for us, we learned quickly that they weren’t that open to working with them.

“They feel, ‘Well, it happened in our territory. This is our case. We will handle it.’ It’s kind of like a rivalry.

“At the end of the day, you’re looking for the same victim.

“It doesn’t matter whether it was across the border or here. The fact that you have these kinds of power struggles makes no sense.”

She explained that Mexican authorities are willing to allow families to pay a ransom, whereas the FBI tries to negotiate with kidnappers.

“We were definitely put in the middle because we didn’t know, ‘Do we follow the advice of the FBI and not pay the ransom, or do we pay the ransom and hope for the best? And how do we do that when we’re across borders?’

“It’s just constant torture — one phone call after another with different demands: ‘Do this now,’ or ‘If not…’ They set time frames, and more than anything, you need proof of life.

“You need to know, ‘Okay, you’re telling me you want this amount of money and that you have her. I need to speak to her.’ And that took a long time.”

Zoe and her family received what appeared to be a recording of Maria begging them to meet the kidnappers’ demands.

She said, “You live with the uncertainty of, ‘Where is she? How is she? What have they done to her? Is she alive? Is she dead?’

“As far as my situation, you lose everything, you really do.”

Zoe Lopez on the kidnapping of her beloved mom

“And then you have the speculations of everyone. You have the criticism on top. You have the heartache, the pain, your family, how do you wake up today and just try to be normal? You can’t, there isn’t no normal anymore. 

“As far as my situation, you lose everything, you really do.”

Zoe, 42, has been with her husband for 25 years and has two children, much like Savannah, while Maria, a mother of seven, has 21 grandchildren and two great-grandchildren. 

Discussing how the kidnapping affected her personal relationships, Zoe admitted, “They are all damaged, at least with my children; they’re dealing with the pain of losing their grandmother.

“So whenever your children hurt, you hurt with them. I feel it’s been trauma over trauma and pain over pain. I’m witnessing my kids are devastated over their grandmother. 

“And in return, they’re seeing me falling apart over my mother. And having to find that strength of, ‘What would my mom do? How would my mother handle this situation with me? How do I handle the situation with my children?’

“Although it’s been 3 years, we have not given up. We hold on to hope.

“So for Nancy.. stay strong. Know that you’re loved, and that you’re being looked for, although it seems like a lot is going on, the people who matter, are hanging on to hope as well.

“For the bad guys who do have her, please give her up. She’s an elderly person. She deserves to be home.”

Two men were arrested in connection with another kidnapping in Mexico and have since been linked to Maria’s disappearance through DNA evidence from the crime scene.

However, authorities have not publicly confirmed any direct charge or prosecution in her case.

The FBI and Mexican prosecutors have been working jointly on the investigation, and the FBI’s Los Angeles Field Office has offered a reward of up to $20,000 for information that leads to her physical location.

Pima County Sheriff Chris Nanos has admitted that Savannah and her family could also be waiting “years” for answers about Nancy’s whereabouts.

“It’s exhausting, these ups and downs. But we will keep moving forward,” he told The New York Times.

“Maybe it’s an hour from now. Maybe it’s weeks or months or years from now. But we won’t quit. We’re going to find Nancy. We’re going to find this guy.”

ST. PAUL, Minn., Feb. 24 (UPI) — The high-profile abduction of Nancy Guthrie is focusing new attention on a little-known, but quickly growing, segment of the insurance industry known as “kidnap and ransom” in which underwriters cover clients at risk from criminals at home and abroad.

While “K&R” insurance has traditionally been seen the domain of business executives whose travels take them to hot spots across the globe where abduction risk is high, the Guthrie case shows that even within the relatively safe United States, anyone can be subjected to kidnapping or extortion, industry leaders told UPI.

As of Monday, the fate of Nancy Guthrie remained unknown. The 84-year-old mother of Today show host Savannah Guthrie has been missing from her home in Tucson since Jan. 31. Police were notified after she failed to show up to watch a live stream of a church service at a friend’s house.

Her family has been cleared in her disappearance and the case is still being treated as a kidnapping. The FBI describes the prime suspect as a male between 5 feet, 9 inches and 5 feet, 10 inches in height with a medium build and carrying a 24-liter black Ozark Trail Hiker Pack.

An unknown person’s DNA was recovered at the crime scene, authorities said.

Meanwhile, reports have indicated the Guthrie family received a ransom demand of millions of dollars to be paid in cryptocurrency.

As the search has dragged on for weeks without any substantial breaks in the case, the costs to the Guthrie family are likely mounting quickly, even excluding the potential payout of a multimillion-dollar ransom.

This has led to speculation over whether Savannah Guthrie — who has a reported net worth of $50 million — owns a kidnap and ransom insurance policy covering herself and family members.

But, if she is like the vast majority of high-net worth Americans such as top business executives, media figures, politicians, athletes and celebrities, it’s probable she does not have a K&R policy.

This is because kidnappings-for-ransom have always been rare in the United States and, as a result, the worldwide market for such policies has remained relatively small at an estimated at $2 billion in 2025.

But that figure is expected to nearly double by 2033 as buyers’ perceptions of the threat levels evolve.

“Glaring gap”

The Nancy Guthrie case, as well as a recent rash of kidnappings targeting holders of large amounts of cryptocurrency, is shining a light on what some have described as a “glaring gap” in the security measures typically taken by wealthy families, media personalities and others.

Insurers don’t want to talk about the cost of K&R policy premiums. However, according to independent estimates, basic policies can cost as little as $500 per year, but quickly rise in price as coverage expands and risks increase.

If, for instance, the policyholder is planning to travel to kidnapping “hotspots” such as Mexico, the cost will increase. Insurance for high-profile CEOs, regardless of where they travel, can ruin $10,000 or more per year, industry estimates indicate.

One of the world’s largest providers of K&R insurance is the French company AXA and its specialized division for complex risks, AXA XL. Denise Balan, the firm’s senior vice president and head of U.S. security risks, told UPI the need for these policies is evolving beyond business people traveling into risky global hotspots, although that remains a core customer base.

“You’d be surprised how many entities and individuals actually do carry this insurance, because it is a ‘duty of care’ product,” she said, meaning it is provided by businesses as part of their legal duty to protect their employees.

“So, most companies that have a significant number of employees who either travel internationally or have CEOs or board members who have concerns about threats to their physical safety or extortion, they do tend to carry this insurance.”

There are basically two elements to a typical K&R policy, Balan explained, including the obvious benefit: reimbursement of expenses and costs up to and including the ransom payment.

“But the more important aspect of the policy that you get is the service,” she said. “And that’s in the form of a security consultant. I’m sure you’ve heard a number of different security consultants who have been interviewed recently about the Savannah Guthrie case. Each insurance company that offers kidnap-for-ransom policies also offers a security service.”

The cost of the consultants, usually drawn from a small pool of well-known providers such as London-based S-RM Intelligence and Control Risks Group, is entirely absorbed by the insurer and doesn’t erode the policy limit — rather, it is in addition to the limit.

“It is a wonderful service that will give you not only response in a crisis, but will also give you preventative assistance,” Balan said. “It’s useful if a company wants to set up a crisis management plan or to do an exercise so they’d know how to react if, for instance, they get a call on a Sunday night from someone who says one of their products is going to be tampered with unless they get a million dollars.”

The provided security consultant can offer expert advice on “everything from how to speak to a kidnapper to how much ransom might be an appropriate amount to pay. They might know, for instance, that the going rate for kidnapping in Mexico is $2,500, and they can help with the negotiation, although they never speak directly to the kidnapper.”

One reason that K&R policies are generally little-known is that they’re highly confidential in nature and the potential for their abuse is high.

“You can’t be out there talking about how you have an insurance policy that pays in the event of a kidnap because there’s just so much potential for fraud,” Balan said. “So, it’s a very under-the-radar product that’s been around since probably the early 1920s.”

Another indication that threats are expanding beyond the traditional business travel sector is evident with a new phenomenon dubbed “crypto-kidnapping,” in which organized gangs utilize leaked data to locate and target high-net-worth cryptocurrency holders.

The latest such incident came Feb. 12 outside of Paris when masked assailants targeted Binance France CEO David Prinçay in a failed home invasion and kidnapping attempt — an attack that has put the entire cryptocurrency industry on high alert.

Matthew Humphries, head of crisis management at Lockton Cos., the world’s largest privately held independent insurance broker, said such incidents show the universe of who should have K&R policies is expanding.

“Kidnap and ransom insurance is available for people and organizations whose profile or operations are exposed to heightened security risks, whether abroad or closer to home,” he told UPI.

“There’s a perception that kidnapping only happens in places with obvious political or security tensions, but the risk is far broader. We’ve seen kidnapping cases emerge in places few would expect, including some high‑profile incidents targeting people in the crypto sector in the U.S., France and Canada.”

Payment for expert security teams covered

Estimates indicate as many as 25,000 kidnappings occur each year worldwide, according to another leader in the industry, the U.S.-based Travelers Cos., which warns in its literature, “If you still think it could never happen, consider this: Coercive threats to you and your business can take many forms.”

The company cites two real-life examples.

In one, the president of a company was kidnapped in his parking lot and held for five days until a ransom was paid. Costs incurred included $650,000 for the ransom, $2,000 per day for an independent negotiator, $500 per day for recording equipment used to obtain the man’s release, and $200 per day for extra security guards hired to protect his family.

In the other case, a physician’s wife was attending a conference. The physician received a call that his wife had been kidnapped and that he had two hours to wire a ransom payment. He wired the funds, but realized later that his wife was never kidnapped or in any danger — and all the while the expenses, such as the ransom payment and costs for a security team, quickly added up.

What’s essential in any kidnapping scenario is the presence of experts to advise those close to the victims, which is perhaps the most important benefit of a K&R policy, said Tracey Santor, assistant vice president for financial institutions at Travelers.

Much like AXA AL’s Balan, she emphasized the policies usually come with a crisis management team to be made available to victims’ families and paid for by the carrier.

“The firm usually consists of former law enforcement officers from a number of agencies, such as the FBI, DEA and CIA, who can often determine if a kidnapping is from a specific group and what past behavior and demands have been,” she told UPI. “The crisis team may also work with local authorities on the safety and return of the kidnap victim.”

Travelers only issues commercial K&R policies for businesses rather than personal policies for individuals, for whom they recommend another U.S. provider working with the Travelers Syndicate 5000 in London.

Asked whether heavily publicized cases such as the abduction of Nancy Guthrie can drive up demand for K&R insurance, Santor responded, “Any high-profile story in the news has the ability to influence new buyers to look to purchase coverage related to the incident.”

1 of 6 | An image released by the FBI shows a person of interest in the kidnapping of Nancy Guthrie, mother of Today Show host Savannah Guthrie. On Tuesday, police said the DNA found on a glove nearby Guthrie’s home did not find a match in the federal database. Image courtesy of the FBI | License Photo

Feb. 17 (UPI) — The DNA on a glove found Nancy Guthrie’s home was not a match to anyone in the federal DNA database, police said Tuesday.

Guthrie, 84, is the mother of Today show host Savannah Guthrie. She has been missing from her home since Jan. 31 and was reported missing after she failed to show up the next morning to watch a live stream of a church service at a friend’s house.

“We’re hopeful that we’re always getting closer, but the news now, I think, is we had heard this morning that, of course, the DNA on the glove that was found two miles away was submitted for CODIS. And I just heard that CODIS had no hits,” Pima County Sheriff Chris Nanos told KARE 11 News.

The glove DNA was sent through the Combined DNA Index System, which is managed by the FBI. CODIS is a national DNA database that has more than 19 million profiles of offenders.

“There is additional DNA evidence that was found at the residence, and that is also being analyzed,” Nanos said.

There were about 16 gloves found near Guthrie’s home, and most of the gloves belonged to searchers who discarded them while in the area.

Investigators are also reviewing evidence taken via two search warrants from last week, CNN reported the sheriff said. All those detained for questioning have been released, Nanos said.

Police are “canvassing businesses and showing the doorbell video released by the FBI to determine whether the suspect appears familiar,” the sheriff’s department said in response to questions about gun shops.

On Monday, police confirmed that no members of Guthrie’s family are suspects and that the family have been “100 percent cooperative” in the investigation.

“Not one single person in the family is a suspect,” Nanos said. “Effective today, you guys need to knock it off. Quit. People are hurting — they are victims.”

He added that police took their phones and computers, and processed their vehicles and homes.